Our Life, Accident and Health Products

Life and Disability (group and individual)
Commonly purchased by employers for the benefit of their staff, this coverage enables dependents to cope with the inevitable financial obligations that arise should the assured suffer disability or death.

Private Health Insurance
Medical expenses coverage for treatment outside of the NHS.

• Suitable for groups of employees, or individuals with a common interest
• Clients have a choice of varying levels of cover and deductible options, hence all budgets can be catered for

Income Protection
Covers financial obligations in the event that the assured person cannot work due to illness, injury or redundancy and as a consequence suffers loss of earnings.

Critical Illness
Pays out a tax-free sum of money if the assured is diagnosed as having a serious or terminal illness that totally and permanently prevents them from working.

Keyman Cover
Covers businesses against the possibility of a key person being unable to work in the event of death, disability or critical illness.

• Coverage can be for the business as a whole, or for the partners and shareholders
• Money paid out can be used as the insured sees fit

Travel Insurance
Group travel policies provide coverage for short-duration business trips, and also for employee secondments to sites outside the normal country of residence. Cover can be extended to include accompanying spouse & dependant(s). Typical benefits include:

• Accidental death and permanent total disability (whilst on a trip)
• Medical expenses and repatriation
• Legal liability
• Loss of baggage, money, passport
• Delay and cancellation

Coverage can be arranged for credit card schemes and the like whereby limited benefits are given to cardholders.

Kidnap and Ransom
Kidnap, Extortion and Detention are real dangers for companies operating both overseas and in domestic markets. Companies can protect their assets and their employees by investing in insurance protection.

Credit Life and Disability
This product relates to individuals who have borrowed funds, for example, mortgages, car and personal loans, and pays out if the insured dies by natural or accidental causes, or becomes disabled within the repayment period.

• Often a compulsory cover purchased by the loan provider and financed from the costs paid by customers
• Sole beneficiary on the policy is the lender

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